2890 Southern Pines Loop, Clermont, FL 34711 Property Records

Lake County property record for 2890 Southern Pines Loop, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,287 sqft · built 2006
Lot Size	0.215 acres (9,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Mar 2015)
Deeds & Mortgages	May 2026 Mortgage Feb 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`33-22-26-1900-000-02900`

Property Details

APN / Parcel Number

Primary APN	`33-22-26-1900-000-02900`
Alternative APNs	`262233190000002900` `3839299`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,287 sqft Living Area
Gross Area	2,728 sqft
1st Floor Area	1,980 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	9,360 sqft (0.215 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	539 sqft
Deck Area	Deck Area
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3839299
Street Address	2890 SOUTHERN PINES LOOP
City	CLERMONT
State	FL
Zip	34711-9001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SOUTHERN PINES PB 55 PG 29-30 LOT 29 ORB 4599 PG 1284
Legal Range	26E
Legal Township	22S
Legal Section	33
Legal Subdivision	SOUTHERN PINES
Legal Tract	A,B
Legal Lot Number	29
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2089
Census Tract	31315

Owner

Source: Lake County records, as of May 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2890 SOUTHERN PINES LOOP, CLERMONT, FL 34711-9001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Feb 23, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Sep 22, 2021	Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB
Jan 16, 2019	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2015 · Amount on Record
Deed Sale	Mar 19, 2015 · Amount on Record
Prior Sale	May 13, 2014
Deed Document Number	201528822
Deed Book / Page	4599 / 1284
Prior Transfer Date	Sep 29, 2005
Prior Transfer Doc	0029750055
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Recording Date	May 1, 2026
Property Address	2890 SOUTHERN PINES LOOP, CLERMONT, FL 34711-9001
Document Number	0000053668
Book / Page	6731 / 157
Instrument Date	Apr 23, 2026
Instrument	202653668
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053668,
Date	May 1, 2026
Book Page	6731/157
Instrument	202653668

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2890 SOUTHERN PINES LOOP, CLERMONT, FL 34711-9001
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062880993
Date	Feb 23, 2024
Book Page	6288/993
Instrument	2024020792

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2890 SOUTHERN PINES LOOP, CLERMONT, FL 34711-9001
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2890 SOUTHERN PINES LOOP, CLERMONT, FL 34711-9001

Mortgage

Document Number	0058000091
Date	Sep 22, 2021
Book Page	5800/91
Instrument	2021131145

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2890 SOUTHERN PINES LOOP, CLERMONT, FL 34711-9001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055710594
Date	Oct 28, 2020
Book Page	5571/594
Instrument	2020120628

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2890 SOUTHERN PINES LOOP, CLERMONT, FL 34711-9001
Document Number	0052271763
Instrument Date	Jan 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2890 SOUTHERN PINES LOOP CLERMONT FL 347119001, CLERMONT, FL 34711-9001

Mortgage

Document Number	0052271763
Date	Jan 24, 2019
Book Page	005227/001763
Instrument	9466

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Clermont City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$256,610 (+2.9%)	$383,740 (-) Land $100,000 Building $283,740
2025		$249,380 (+5.98%) Land $100,000 Building $149,380	$383,740 (+24.87%) Land $100,000 Building $283,740
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$235,310	$307,311 Land $60,000 Building $247,311

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLERMONT EAST WATER SYSTEM (2 WPS) serves 39,279 people · EPA ID FL3354779
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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